Robert, a single father of two, owns a painting business. While driving his insured van on the job, Robert is involved in a serious accident and spends several days in the hospital. Robert incurs the following expenses. $ 4,000 Lost wages $ 6,000 Payment for a nanny to watch his two children $ 5,000 Cost to replace the painting equipment he was hauling $ 30,000 Medical bills Assuming Robert has adequate limits and a typical personal injury protection (PIP) endorsement to his Business Auto Coverage Form, how much of the above will be paid by Robert's auto insurer